The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$25,677
−HK$1,610/mo
▼ 0.25% · 3.875%
HK$26,476
−HK$811/mo
Today · 4.125%
HK$27,287
baseline
▲ 0.50% · 4.625%
HK$28,948
+HK$1,661/mo
Deposit HK$5.63M · loan HK$5.63M · min. income ≈ HK$54,574/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$422,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,565
−HK$1,544/mo
▼ 0.25% · 3.875%
HK$29,332
−HK$777/mo
Today · 4.125%
HK$30,109
baseline
▲ 0.50% · 4.625%
HK$31,696
+HK$1,587/mo
Deposit HK$5.63M · loan HK$5.63M · min. income ≈ HK$60,218/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$422,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,812
−HK$1,933/mo
▼ 0.25% · 3.875%
HK$31,771
−HK$974/mo
Today · 4.125%
HK$32,745
baseline
▲ 0.50% · 4.625%
HK$34,737
+HK$1,992/mo
Deposit HK$4.50M · loan HK$6.76M · min. income ≈ HK$65,490/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$422,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,279
−HK$1,851/mo
▼ 0.25% · 3.875%
HK$35,198
−HK$932/mo
Today · 4.125%
HK$36,130
baseline
▲ 0.50% · 4.625%
HK$38,035
+HK$1,905/mo
Deposit HK$4.50M · loan HK$6.76M · min. income ≈ HK$72,260/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$422,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,948
−HK$2,254/mo
▼ 0.25% · 3.875%
HK$37,066
−HK$1,136/mo
Today · 4.125%
HK$38,202
baseline
▲ 0.50% · 4.625%
HK$40,527
+HK$2,325/mo
Deposit HK$3.38M · loan HK$7.88M · min. income ≈ HK$76,404/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$422,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,992
−HK$2,160/mo
▼ 0.25% · 3.875%
HK$41,064
−HK$1,088/mo
Today · 4.125%
HK$42,152
baseline
▲ 0.50% · 4.625%
HK$44,374
+HK$2,222/mo
Deposit HK$3.38M · loan HK$7.88M · min. income ≈ HK$84,304/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$422,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,219
−HK$2,898/mo
▼ 0.25% · 3.875%
HK$47,656
−HK$1,461/mo
Today · 4.125%
HK$49,117
baseline
▲ 0.50% · 4.625%
HK$52,106
+HK$2,989/mo
Deposit HK$1.13M · loan HK$10.13M · min. income ≈ HK$98,234/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$422,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,418
−HK$2,778/mo
▼ 0.25% · 3.875%
HK$52,797
−HK$1,399/mo
Today · 4.125%
HK$54,196
baseline
▲ 0.50% · 4.625%
HK$57,052
+HK$2,856/mo
Deposit HK$1.13M · loan HK$10.13M · min. income ≈ HK$108,392/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$422,272 · Scale 2, in force from 26 Feb 2026)